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☆ 3 major predictions for real estate in 2023, according to a 17-year Wall Street veteran who also lists 10 cities that could see the most and least price corrections
▼ + stars: | 2022-11-17 | by ( Laila Maidan | ) www.businessinsider.com time to read: +5 min

T here will be disparity in price corrections for homes listed above and below median home prices. in price corrections for homes listed above and below median home prices. Rising mortgage rates will increase demand for affordable homes and reduce their supply, he said. On Monday, 30-year fixed mortgage rates were at 7.08% in the US, more than double where they were a year ago. Rising mortgage rates will increase demand for more affordable properties and reduce their supply, he said.

☆ 'Jeopardy!' champ Amy Schneider testifies against Ohio transgender care ban
▼ + stars: | 2022-11-16 | by ( Jo Yurcaba | Jo Yurcaba Is A Reporter For Nbc Out. | ) www.nbcnews.com time to read: +8 min

champion Amy Schneider testified before an Ohio House of Representatives committee meeting Wednesday against a bill that would restrict gender-affirming medical care for minors. After receiving gender-affirming care, "for the first time in my life, that alarm went silent, and I knew peace and quiet for the first time." Rep. Latyna Humphrey, a Democrat, asked Schneider if she has ever regretted receiving gender-affirming care or experienced suicidal thoughts after her transition. “We’ve made quite a few concessions, and that’s to bring this to a middle ground,” Click said of the substitute bill. Four states — Arizona, Alabama, Arkansas and Tennessee — passed laws restricting gender-affirming care for minors.

☆ Walker's campaign tells Republicans to stop 'deceptive fundraising' in Georgia runoff
▼ + stars: | 2022-11-15 | by ( Marc Caputo | Marc Caputo Is A Senior National Political Reporter For Nbc News. | ) www.nbcnews.com time to read: +5 min

Walker’s campaign, which has trailed Warnock’s in fundraising throughout the election, is now asking fellow Republicans to stop their fundraising practices — or at least start sharing more with the candidate. "We need everyone focused on winning the Georgia Senate race, and deceptive fundraising tactics by teams that just won their races are siphoning money away from Georgia,” Walker campaign manager Scott Paradise told NBC News on Monday. After the 90:10 split was highlighted on Twitter, Trump’s committee changed the allocation to a 50:50 split. A Vance spokesman declined to comment, but subsequent fundraising emails for Walker have defaulted to a 50:50 split as well. Those new donors' emails and their money are then shared along with the cash raised in the joint fundraising endeavor.

☆ Beauty of muni bonds is tax-free income. Here are three key takeaways for investors
▼ + stars: | 2022-11-15 | by ( Carmen Reinicke | ) www.cnbc.com time to read: +6 min

Municipal bonds, or munis, have outperformed other bonds this year, but have still slumped. "We suggest that if you're investing in municipal bonds, individual bonds, you invest in 10 different issues with different credit risks," he said. Investing differs from stocks Muni bonds serve a different goal in a portfolio than assets such as stocks, which you hope go up in value over time. "There's typically some price appreciation with it but it's hard to bank on price appreciation unless you're a very active muni bond trader," said Tyner. Diversified muni bond mutual funds are also a good option for investors, giving access to the muni market without having to take on the risk of buying individual bonds.

The first was Democrat Wes Moore, who beat Republican Dan Cox, becoming Maryland’s first Black governor, and only the third Black governor in the country. Black female candidates hoped to make history across gender and racial lines in several states, from Rep. Val Demings and Aramis Ayala in Florida to Chelsea Clark in Ohio and several women bidding to be the country’s first Black female governor. Although many of these key races ended in upsets for the Black female Democratic candidates, some states have ushered in new progressive representation. And in Massachusetts, Democrat Andrea Campbell beat out Republican Jay McMahon to become the state’s first Black female attorney general. “What we just saw in the midterms is that these Black women were able to inspire multiracial coalitions that enabled their wins.

☆ Midterm elections live updates: Pennsylvania races, New Hampshire Senate race too early to call
▼ + stars: | 2022-11-09 | by ( Brandy Zadrozny | Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Sahil-Kapur-Headshot.Jpg | ) www.nbcnews.com time to read: +109 min

Share this -Link copiedWisconsin Senate and governor's races too early to call It is too early to call the Senate and gubernatorial races in Wisconsin, according to NBC News. Share this -Link copiedNew Hampshire Senate race too early to call The Senate race in New Hampshire is too early to call, according to NBC News. Share this -Link copiedPennsylvania Senate and governor races are too early to call After polls closed at 8 p.m. While Maricopa County election officials initially categorized the problem as a “hiccup,” it took hours before a solution was identified early Tuesday afternoon. In Columbus County, election officials allegedly were harassed by an “observer following one-stop workers” and photographing or filming the workers, it said.

☆ Most Americans want to 'age in place' at home. Here's how to plan your support systems
▼ + stars: | 2022-11-09 | by ( Deborah Nason | ) www.cnbc.com time to read: +3 min

Retirement-focused financial advisors can help with both the financial and non-financial preparations to do so. "I saw my clients struggling [with this issue] and I wanted to help them think about the process of aging." Sandy Adams partner with the Center for Financial PlanningWhen should people start this kind of planning? "None of us knows when that event might happen that will cause us to suddenly need help." Black, CFP and partner at Bridgeworth Financial Management in Birmingham, Alabama.

☆ Jeff Cook, guitarist and co-founder of the band Alabama, dead at 73
▼ + stars: | 2022-11-08 | by ( Dan Heching | ) edition.cnn.com time to read: +1 min

CNN —Jeff Cook, one of the original members of the country band Alabama, has died, according to the group’s representative, Don Murry Grubbs. A guitarist and co-founder of Alabama, Cook also played fiddle and other musical instruments for the band. He is “credited for introducing the electric double neck guitar to country music,” the statement said. Over the course of his country music career as part of Alabama, Cook sold 80 million albums and charted 43 No. Cook, a native of Fort Payne, Alabama, is survived by his wife of 27 years Lisa Cook, his mother Betty and his brother David, among other family members.

☆ 9 ways to make your small business go viral on TikTok and increase sales, according to entrepreneurs who've booked thousands in revenue
▼ + stars: | 2022-11-07 | by ( Alexandra York | Jennifer Ortakales Dawkins | ) www.businessinsider.com time to read: +10 min

One of the most popular platforms for content creation is TikTok, which has more than 1 billion monthly users. Ford determined her best-performing videos and her best-selling products based on TikTok views and interaction with customers. Her account now has more than 47,000 followers and her most popular video garnered nearly two million views. TikTok screenshotIn March 2021, Damoin Harrell created his first video on TikTok at the request of his niece. To be sure, more views don't always equate to more sales, business owners said.

☆ Rep. Sanford Bishop faces off against Republican Chris West in Georgia's 2nd Congressional District election
▼ + stars: | 2022-11-05 | by ( Hanna Kang | ) www.businessinsider.com time to read: +4 min

Rep. Sanford Bishop is running against Republican Chris West in Georgia's 2nd Congressional District. The 2nd District encompasses Georgia's southwestern corner, including Albany. Georgia's longest serving congressman, Rep. Sanford Bishop, looks to fend off Republican Chris West in Georgia's 2nd Congressional District. Georgia's 2nd Congressional District candidatesBishop, first elected to Congress in 1992, hasn't faced much competition in the past. Voting history for Georgia's 2nd Congressional DistrictGeorgia's 2nd Congressional District encompasses Georgia's southwestern corner, including Albany and parts of Macon, Columbus, and Warner Robins.

☆ Millions experiencing record warmth for November but the temperatures may fuel severe storms and tornadoes
▼ + stars: | 2022-11-04 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Kathryn-Prociv.Jpg | Kathryn Prociv | ) www.nbcnews.com time to read: +3 min

While nearly two dozen record highs are possible Friday through the weekend, Monday could see as many as 40 record highs from the Southeast to New England. New York's La Guardia Airport could set record highs three days in a row (Saturday, Sunday and Monday). Boston will likely set record highs two days in a row, and is looking at four days in a row with great than 70-degree temperatures. Other cities that could set record highs in the coming days include Washington, Philadelphia, Atlanta, Memphis and Buffalo, New York. The severe risk is expected to be lower compared to Friday.

☆ A self-made millionaire who made his money investing in real estate isn't interested in taking out a mortgage right now: 'I'm not going pay more than 6% interest'
▼ + stars: | 2022-11-03 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

Property investor Todd Baldwin isn't interested in getting a mortgage right now due to high rates. The millionaire is in the unique situation where he can pay in cash if the right deal comes around. "If the deal is over 6%, I'm going to pay cash and hopefully get a discount." With the interest rates where they are now, "I can still make money," he explained, "but my margin of error is a lot thinner. Baldwin understands that not everyone can simply pay cash if they want to invest right now.

The local unemployment rate is already nearly a percentage point above the U.S. average of 3.5%. "It's very premature in my view to think about or be talking about pausing our rate hikes. The target federal funds rate is now in a range of between 3.75% and 4%, the highest since early 2008. In the 1970s and 1980s, Fed Chair Paul Volcker's attack on inflation sparked a recession that pushed the unemployment rate above 10%, then a post-World War II high. "I do worry about how rates affect the economy," Bostic said at the forum.

☆ For voters submitting absentee ballots, your state may require it to be verified. Here are the ways your ballot is checked for authenticity.
▼ + stars: | 2022-11-03 | by ( Kayla Gallagher | Annie Fu | ) www.businessinsider.com time to read: +3 min

To ensure authenticity, some states require ballot verification for votes to count. In order to better prevent the risk of election fraud, some states have implemented ballot verification rules to ensure the authenticity of a voter's ballot. Currently, 27 states require absentee ballots to be verified using a few different methods: signature match, voter signature only, notary or witness signatures, photo ID, or the last four digits of a person's Social Security number. Three states — Mississippi, Missouri and Oklahoma — require the envelope containing the absentee ballot to be notarized, according to the National Conference of State Legislatures. There are 24 states that require voters to be notified when there is a signature missing or a signature discrepancy on their ballot.

☆ Angela Bassett’s tribute to courageous women is the inspiration you need today
▼ + stars: | 2022-11-02 | by ( Chloe Melas | ) edition.cnn.com time to read: +3 min

CNN —Angela Bassett gave a rousing speech about female empowerment at the Glamour Women of the Year event on Tuesday night. “We are underestimated like Rosa Parks, who was presumed to be meek and mild, voiceless,” she said. “We are resilient like Tina Turner, who gave up everything she’d worked for, except her name, to gain freedom from abuse,” she said. “She started over, reimagining her career as a rock ‘n’ roll artist, a genre that no Black woman had successfully charted. “The legacies of these women and so many more are what keep me going when the deck seems stacked against me.

☆ A 27-year-old real estate investor who owns 9 rental properties shares what it's like to be a landlord, including the biggest challenges and hacks that save him time
▼ + stars: | 2022-10-30 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

Real estate investor Stephen Yin spoke to Insider about the realities of being a landlord. Yin is based in Los Angeles for his day job but buys real estate in Birmingham, Alabama, where he grew up. But when I'm not actively buying, I don't spend much time on real estate." Especially if you're investing out-of-state, having a good property manager on your team is completely worth the cost, he said. But, ultimately, "the stress is totally worth it," said Yin, who hopes to build generational wealth through real estate investing.

☆ Vince Dooley, longtime Georgia football coach, dies at 90
▼ + stars: | 2022-10-29 | by ( The Associated Press | ) www.nbcnews.com time to read: +9 min

ATLANTA — Vince Dooley, the football coach who carried himself like a professor and guided Georgia for a quarter-century of success that included the 1980 national championship, died Friday. “Our family is heartbroken by the death of Coach Dooley. He was one of a kind with an unmatched love for UGA!” current Georgia coach Kirby Smart wrote on Twitter. The field at Sanford Stadium was dedicated in his honor during the 2019 football season. At Georgia, Dooley coached a plethora of standout players — from Bill Stanfill to Scott Woerner to Rodney Hampton.

☆ Top ranked advisors say these are the 3 biggest investing mistakes people make during recessions
▼ + stars: | 2022-10-28 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

These are some of the biggest investing mistakes, according to top advisors. "But you have to remember the stock market has done well over time." "We're more fixated on what we could potentially lose on paper than what opportunities pass us by that we never capitalize upon," said Josh Reidinger, CEO of Waverly Advisors in Birmingham, Alabama, which ranked No. Josh Reidinger CEO of Waverly AdvisorsThere's a risk of missing future gains when steering clear of the stock market, as research shows some of the best returns may follow the biggest stock market dips. Josh Reidinger CEO of Waverly AdvisorsMistake No.

☆ A real estate investor who bought his first property at age 24 and now owns 11 rental units shares his top advice for new investors, including how to negotiate and where to buy: 'Look at the Sun Belt'
▼ + stars: | 2022-10-28 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +7 min

"Some of the greatest investors have focused on real estate, such as Sam Zell," he added, referring to the billionaire who has been called the "forefather of modern real estate investment trusts." It was a single-family home in Birmingham, Alabama that he purchased with a friend for $40,000. Focus on the Sun BeltChances are, you've heard the saying "location, location, location" from a real estate agent or investor. Interview multiple lendersUnless you're buying real estate with cash, you'll need to work with a mortgage lender. He took them to lunch and asked questions about how comfortable they are doing residential real estate and what markets they do most of their deals in.

☆ Jill Biden holds the key to the nation's political future as her husband weighs re-election in 2024
▼ + stars: | 2022-10-27 | by ( Nicole Gaudiano | ) www.businessinsider.com time to read: +16 min

"Joe Biden wouldn't have run in '20 if Jill Biden had not wanted him to run and he won't run in '24 if Jill Biden doesn't want him to run," he told Insider. President Joe Biden and first lady Jill Biden watch fireworks go off on national mall from the White House on July 4, 2022, in Washington, DC. Jill Biden divorced her first husband after five years and married Joe Biden two years later. First lady Jill Biden tours a classroom at the James Rushton Early Learning Center in Birmingham, Alabama, on April 9, 2021. President Joe Biden and first lady Jill Biden arrive at Joint Base Andrews in Maryland on May 18, 2022.

☆ A 27-year-old real estate investor who owns 9 properties in Alabama says you shouldn't sleep on the Birmingham market. He shares his top reasons why it's a great investment opportunity.
▼ + stars: | 2022-10-26 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

Real estate investor Stephen Yin says that Birmingham is an overlooked market. He admits to "kind of falling into real estate by accident," he told Insider. One of his friends from home reached out and asked if he'd ever considered investing in real estate. After doing some research, "I realized that Birmingham has one of the best real estate markets in the nation, from a returns perspective as well as from a barrier-to-entry perspective," he said. "I could still make money, but I can't make money in the way I want to make money."

☆ Airlines have the passengers. Now they need the planes
▼ + stars: | 2022-10-25 | by ( Leslie Josephs | ) www.cnbc.com time to read: +2 min

But new planes are in short supply, they warned, limiting growth and keeping fares high. JetBlue Airways said Tuesday that it was supposed to receive 29 planes from Airbus next year but will only get about 22. That means airlines that had parked planes and slashed growth are now struggling to expand. Boeing and Airbus, which didn't immediately comment, are set to report results on Wednesday and Friday, respectively. Raytheon's Pratt and Whitney engines fly on both Boeing and Airbus planes, and its Collins Aerospace unit supplies both manufacturers.

Bottone’s protest highlighted the hypocrisy of fetal personhood logic that gives fetuses rights in cases of abortion but not in other contexts. To end abortion in all instances, with no exceptions for rape, incest, fatal fetal abnormalities, or the life of the mother. Kansas had one as well, but voters there overwhelmingly voted to preserve abortion rights in their state in August. Wendy Davis, a Texas state senator at the time, speaks during her 13-hour filibuster of an abortion bill in Austin, Texas, in 2013. What might the penalties be if a pregnant person consumes alcohol or uses drugs while pregnant?

☆ The US never banned asbestos. These workers are paying the price.
▼ + stars: | 2022-10-23 | by ( Kathleen Mcgrory | Neil Bedi | ) www.businessinsider.com time to read: +39 min

But protocols failed to match reality at the Niagara Falls plant, according to more than a dozen workers. In addition to those signature diseases, which are rare even among asbestos workers, the tiny strands can harm the body in other ways. In the 15 years that followed, congressional attempts to ban asbestos would continue to fall short. OSHA declined to make an official available for an on-the-record interview or comment on ProPublica's findings at the Niagara Falls plant. At the OxyChem plant in Wichita, union president Keith Peacock said he was comfortable with the way asbestos was handled.

☆ US Midterms 2022: 5 States Are Voting to Ban Slavery in Prisons
▼ + stars: | 2022-10-23 | by ( Bethany Dawson | ) www.businessinsider.com time to read: +4 min

Voters in Tennessee, Alabama, Louisiana, Oregon, and Vermont will be voting on changing this legislation. The landmark 13th Amendment to the US Constitution, ratified on December 6, 1865, officially abolished slavery but allowed it to continue as a punishment in prisons against convicted felons. For states in the former Confederacy, the loophole was a tool to maintain the dynamics of slavery, post-abolition, said AP. But in some states, including Alabama, inmates get paid nothing for their work. "For an entire generation, it put Black men and women back into slavery by incarcerating them and selling their labor to private corporations," said Chase.

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